What does maid insurance cover in Singapore?

Maid insurance policies are required to cover hospitalisation expenses and surgical fees, including day surgery fees, in the event of an injury or illness. Certain policies may also provide cover for pre-hospitalisation medical consultation and diagnostic services and post-hospitalisation follow-up treatments.

What is maid insurance Singapore?

MaidPlus is a foreign domestic worker insurance that offers $60,000 in personal accident cover annually and up to $3,000 for accidental medical expenses during the period of cover. At MSIG, you can now purchase an enhanced 26 months’ policy for your maid.

Why maid insurance is 26 months?

Why 14 and 26 months instead of 12 and 24 months? The extra two months of coverage (non-chargeable), as required by the MOM, is to insure your helper for an additional two months after the expiry of her work permit, in case her repatriation is not immediate.

What is maid insurance?

Maid insurance is a government-required insurance policy that protects you from losses relating to your domestic worker’s work and non-work related accidents. Formally required by the Ministry of Manpower starting from January 2008, maid insurance was initially comprised of S$5,000 of medical coverage.

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How much is helper insurance in Singapore?

You need to buy medical insurance with a coverage of at least $15,000 per year for inpatient care and day surgery during your helper’s stay in Singapore.

Does FWD maid insurance cover dental?

Common Medical Exclusions

Other common exclusions include routine dental care, outpatient care, immunizations, STD treatment and psychiatric care. While some exclusions, like pregnancy, will result in a cancelled work permit and no financial responsibilities on your end, others may require prompt medical care.

When should maid insurance start?

As we would need to process and furnish your maid’s insurance details to the Ministry of Manpower (MOM), the earliest policy start date for our maid insurance is 5 days from date of purchase and no more than 14 days from application date.

Who should pay for maid medical?

As employers of migrant domestic workers ( MDWs ) directly benefit from hiring them, they must bear all the costs of maintaining their MDWs. This includes any medical costs necessary for her health.

Can maid buy Shield plans?

You can buy plans from any insurer as long as it meets the compulsory minimum coverage requirements. However, you are strongly encouraged to buy additional insurance coverage for greater protection against medical bills incurred by your MDW and peace of mind.

Can maid insurance be transferred?

Is maid insurance transferrable? Most maid insurance is transferable to cover a new domestic helper. … Even if they do not allow a transfer, some insurers will allow you to get a refund of the unused portion of the maid insurance when you send the old maid back home when the contract ends.

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Does maid cover outpatient?

Maid insurance in Singapore should offer coverage not just for hospitalisation, but also for outpatient surgery and other treatment. That means that if your domestic helper visits a hospital but is not warded, the medical bills can still be reimbursed by the insurance company.

What is waiver of indemnity for maid insurance?

The waiver of counter indemnity is an optional add-on feature of maid insurance policies where the insurer promises to bear the loss of this deposit in the event of a contract breach from S$5,000 to S$250 or even to S$0.

What is third party liability for maid insurance?

Third Party Liability: Third party liability indemnifies the insured against the liability to pay compensation in the event the insured maid in involved in incidents in the course of her employment for which made and employer can be held liable.

Can maid go polyclinic?

Anybody can be treated at one of the 18 government polyclinics, but as a pass holder you helper will be charged more than a citizen or PR. A consultation will set you back $51.50 at the polyclinic and $67.8 at a family physician clinic.

What is special grant in maid insurance?

Special Grant

Covers funeral expenses that is payable to your domestic helper’s family.

What is performance bond for maid?

What is Performance Bond for Maid? A performance bond is a contract between the employer and the embassy to ensure that the FDW gets proper and fair treatment while working in Singapore. The bond is also required when your FDW plans to go home to their country.

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